Search Mortgage Complaints
460,397 consumer complaints across 74 mortgage servicers, sourced from the Consumer Financial Protection Bureau database (2012–present).
The CFPB Consumer Complaint Database is the largest public record of mortgage servicing disputes in the United States. Search by servicer name, issue type, state, or keyword to find complaint patterns. Each complaint shows whether the servicer responded on time and how it was resolved. If you're having problems with your mortgage servicer, this data can help you understand whether your experience is isolated or part of a broader pattern.
Search the Archive
Select a servicer to browse their 500 most recent complaints. Filter by issue type, state, date range, or search by keyword.
Top Servicers by Complaint Volume
These 10 servicers account for the majority of mortgage complaints in the CFPB database. Click any servicer name for their full complaint profile, including trend charts, enforcement actions, and issue breakdowns.
| Rank | Servicer | Complaints | Timely Rate | Top Issue |
|---|---|---|---|---|
| 1 | WELLS FARGO & COMPANY | 49.618K | 99.8% | Loan modification,collection,foreclosure |
| 2 | BANK OF AMERICA, NATIONAL ASSOCIATION | 48.093K | 97.8% | Loan modification,collection,foreclosure |
| 3 | Ocwen Financial Corporation | 35.598K | 98.5% | Loan modification,collection,foreclosure |
| 4 | Mr. Cooper Group Inc. | 31.928K | 99.6% | Trouble during payment process |
| 5 | JPMORGAN CHASE & CO. | 25.617K | 100.0% | Loan modification,collection,foreclosure |
| 6 | Shellpoint Partners, LLC | 17.044K | 96.9% | Trouble during payment process |
| 7 | SELECT PORTFOLIO SERVICING, INC. | 15.098K | 99.6% | Struggling to pay mortgage |
| 8 | Ditech Financial LLC | 13.628K | 99.7% | Loan servicing, payments, escrow account |
| 9 | CITIBANK, N.A. | 10.358K | 98.3% | Loan modification,collection,foreclosure |
| 10 | Freedom Mortgage Company | 9.048K | 99.5% | Trouble during payment process |
How to File a Complaint
If you're experiencing problems with your mortgage servicer — incorrect payment processing, loss mitigation delays, escrow errors, or failure to respond to written requests — you have the right to file a formal complaint.
File with the CFPB
Submit a complaint at consumerfinance.gov/complaint. Select "Mortgage" as the product type. The CFPB will forward your complaint to the servicer, which generally responds within 15 days.
Send a Qualified Written Request
Under RESPA § 6, you can send a formal written request to your servicer's designated address. They must acknowledge within 5 business days and respond within 30 business days. Send via certified mail, return receipt requested.
File a Notice of Error
Under 12 CFR § 1024.35, you can formally notify your servicer of 11 categories of errors. This triggers a 30-business-day investigation requirement and protections against negative credit reporting during the investigation.
Get Free Help
Call a HUD-approved housing counselor at 800-569-4287 for free assistance. You can also find legal aid in your state for advice on servicer disputes and loss mitigation rights.
Disclaimer: Complaint data is sourced from the CFPB Consumer Complaint Database, a public dataset of consumer-reported issues. Complaint counts reflect the volume of consumer-reported issues and do not constitute findings of wrongdoing. Larger servicers handle more loans and may naturally receive more complaints. American Default does not provide legal advice.
Frequently Asked Questions
What is the CFPB Consumer Complaint Database?
The Consumer Financial Protection Bureau (CFPB) maintains a public database of consumer complaints against financial companies. When you submit a complaint, the CFPB forwards it to the company, which generally responds within 15 days. The database includes the complaint type, company response, and whether the response was timely — but does not include the consumer's identity.
How do I file a complaint against my mortgage servicer?
Go to consumerfinance.gov/complaint and select 'Mortgage' as the product type. Describe your issue in detail, include your loan account number, and submit. The CFPB will forward your complaint to the servicer. You can also send a Qualified Written Request (QWR) under RESPA § 6 for a formal written response requiring acknowledgment within 5 business days and a response within 30 business days.
How many mortgage complaints are in this database?
This archive contains 460,397 mortgage complaints filed with the CFPB from 2012 to present, covering 74 of the largest mortgage servicers. These 74 servicers account for approximately 90% of all mortgage complaints in the CFPB database. We display the 500 most recent complaints per servicer for searchability.
Does a complaint mean the servicer did something wrong?
Not necessarily. A complaint reflects a consumer's reported experience, not an adjudicated finding of wrongdoing. However, patterns matter — a servicer with a high volume of complaints about the same issue (like payment processing errors or loss mitigation delays) may indicate systemic problems. The CFPB uses complaint patterns to identify companies for investigation.
What should I do if my servicer isn't responding to my complaint?
Companies generally respond to CFPB complaints within 15 days; in some cases the company says its response is in progress and gives a final response within 60 days. You can also contact a HUD-approved housing counselor (call 800-569-4287) for free assistance, send a formal Notice of Error under 12 CFR § 1024.35, or consult with a legal aid attorney. For ongoing servicing disputes, document everything in writing — verbal promises are not enforceable.
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